The Biden administration has launched a beta version of its student loan forgiveness application, and borrowers can apply now. But there are some things you should know first.

Where can I find a request for forgiveness for a student loan?

The Department of Education has launched an online application for Biden’s new Student Loan Forgiveness Scheme, which can provide up to $20,000 in loan forgiveness for government-administered federal student loans.

The application is available here via StudentAid.gov. Borrowers do not have to log into the StudentAid.gov website with your FSA ID (unique username and password. Simply fill out the online form, electronically sign and submit.

The Ministry of Education was warning borrowers about scammers. You can apply directly through the official online application portal – you do not need to go through any third party company.

Application process for student loan forgiveness

Borrowers must simply provide their information (name, contact details, personally identifiable information such as Social Security number and date of birth). They must also certify, under penalties for perjury, that they earned less than $125,000 (or less than $250,000 if married) in 2020 or 2021 to qualify for student loan forgiveness under the Biden plan. You can learn more about the eligibility rules for the One-Time Student Loan Forgiveness initiative on the Department of Education’s website.

Borrowers must receive an electronic confirmation of application for your records.

Borrowers will not have to submit supporting documents with their applications. However, the Department of Education will later follow up with several million borrowers over the next year or more to verify income information. You should be prepared to file a copy of your tax return if you receive such a request.

What does ‘trial release’ mean for student loan forgiveness request

This is a beta version of the Student Loan Forgiveness application. This means that the Ministry of Education is using this initial launch to test the process and make improvements before the application becomes more widely available. It’s a real app, and the Department of Education says it will be processed (and you won’t have to reapply), but you won’t get immediate relief.

In addition, a large volume of traffic may mean that the beta application may become temporarily unavailable. Some users were already reporting problems last night. As of this writing, the app is actually temporarily inaccessible.

โ€œThank you for visiting the Student Loan Debt Relief Application,โ€ a message on the application website says. โ€œWe provide periodic access to the form to help us prepare for our official launch. We appreciate your interest in debt relief and invite you to re-check soon.โ€

There is no processing of student loan forgiveness requests yet

While the application is legitimate, no student loan forgiveness application will be processed immediately. Any application will be processed and approved as soon as October 23, according to a court filing by the department earlier this month.

The Department of Education previously stated that it expects applications to be processed within four to six weeks after submission.

Full app launching soon

The Department of Education has not provided a firm timeline for the wider availability of applications, but that should happen later this month.

Of course, there are several lawsuits seeking to block the initiative. Depending on the outcome of the initial hearings in these lawsuits, the program could be delayed or banned. The hearing earlier this week could be an early test, and the court could issue a decision on a preliminary injunction as early as this week.

Further reading Student loan forgiveness

Direct Student Loan Forgiveness Request - Basic Details on Initial Launch

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5 Key Tips From Sudden Change to Eligibility for Student Loan Forgiveness

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